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How Travel Insurance Works if a Family Member is Hospitalized or Dies

Buying travel insurance to cover your whole family is a great idea, since one family travel insurance plan can usually provide travel protection to you, your loved ones and your trip. But, did you know certain travel insurance coverages can kick in even if a non-traveling family member is hospitalized or dies?

Whether you have elderly family or have understandable concerns about the pandemic causing a family member to be hospitalized, you can plan a trip with more peace of mind, knowing if you need to cancel the trip for a covered reason you won’t lose your vacation investment. 

Also read: 7 Questions to Ask to Find the Best Family Travel Insurance

What about family members who are not traveling?

There are a few ways family members not going on your trip could impact that trip and the travel insurance coverages you might have.

All of our plans include Trip Cancellation coverage that reimburses your trip costs if you cancel for a covered reason. One of those reasons is a non-traveling family member being hospitalized or passing away due to an illness or injury and you are unable to take your trip.

Everyone wants a vacation to be a carefree time, and even if everyone on the trip is doing the right thing, staying healthy and out of trouble, there’s no guarantee that things will be going along swimmingly back at the hacienda.

If trouble strikes back home, our Trip Interruption coverage can reimburse you for the unused portion of your trip and help arrange for transportation back to your loved ones at home, in case of a covered event.

One other way family members could become involved with travel insurance is if you’re traveling alone and hospitalized for more than seven days and need family support. Our Emergency Assistance and Transportation benefit includes coverage  to fly one person of your choosing to come accompany you. Their lodging, meals, local transportation and telephone calls during this time can also be covered by the plan.

Also read:  Does Travel Insurance Cover the Flu or Other Illness?

Defining “Family”

It’s very important that you understand who is considered a “family member” when you buy travel insurance with this in mind. Don’t assume that your cousin qualifies – because in this case, they don’t.

You can find those specific details in the  Plan Details , but we’ve pulled the definition for our plans out of the fine print.

FAMILY MEMBER means:

• Insured ’s or Traveling Companion’s Spouse 
• grandparent, great-grandparent or grandchild or great-grandchild;
• son-in-law or daughter-in-law; 
• brother-in-law or sister-in-law; 
• parent-in-law;
• step-parent, step-child or step-sibling; 
• aunt or uncle; 
• niece or nephew; 
• legal guardian; 
• foster child or legal ward;
• step-grandparent or step-grandchild;
• step-aunt or step-uncle.

See more travel insurance definitions

Coverage For One, Coverage For All

The topic of family travel insurance often results in many questions, starting with the basic question, “Can one travel insurance policy cover my entire family?”

The answer is yes – one travel-insurance policy can cover up to 10 people. Adding each family member (or traveling companion , technically) to the plan increases the total premium, but everyone has coverage under the same policy, enjoying the same benefits.

The only exceptions to that is if your traveling family exceeds 10 people or a family member(s) fall outside the traveling companion definition .

Another common question family travelers have is, “What if one of my family members has to cancel their trip because of illness, but the rest of us don’t? Does family travel insurance cover one cancellation because of illness?”

The person who has to cancel their trip has coverage under Trip Cancellation (assuming they’re canceling their trip for a covered reason, of course), while the rest of the family’s coverage continues on.

This can happen time and again. If your grandfather’s luggage is lost he can get coverage under the Baggage benefit, without compromising the benefit in case your sister subsequently loses her luggage. And, if your nephew needs emergency medical attention, he will have coverage under the plan – without changing the amount of the Medical and Dental benefit you have on tap in case you need it.

On the other hand, if everyone needs to use their benefit at once, they can. So if grandma back home gets sick and the family needs to interrupt their trip to be with her, they all can

That’s one of the great advantages of families using travel insurance: the incredible versatility. It works just as well for one family member as for an entire family.

Also read:  Buying Travel Insurance in a Post-Pandemic World

Making Sure Everyone’s Covered

If you’re planning a big family vacation and want to make sure everyone has coverage, here’s what you need to do:

• Read your policy. Make sure everyone you want to be covered under the plan is actually covered – and on a per-person basis. If they’re not, shop around for a plan that can accommodate everyone.
• Make plans early. It’s easier to get everyone coverage when everyone is on board right away, and the plan is purchased soon after the trip is paid for. It’s harder but not impossible to add family members after the plan is purchased. Learn more about adding to an existing plan.
• Look for medical coverage. Usually with family trips the most desired coverage is emergency medical protection. Make sure your plan has good Medical and Dental and Emergency Assistance and Transportation coverage – the more the better.
• Put one person in charge of insurance shopping . If everyone is out looking for plans there can be confusion and delay in getting everyone coverage – and sometimes that can mean no one gets coverage at all. By making one person responsible for finding the travel insurance for the entire family the process is consolidated – and the outcome is generally favorable.
• Have personal information handy. If you go the route of trusting one person with the insurance shopping, they’ll need everyone’s birthdate to buy a plan. Make sure they have this information before they start shopping. 

Also read: Info You Need to Know Before Getting a Travel Insurance Quote

Getting an entire family travel insurance coverage makes a lot of sense – and doing it online is fast and easy. Plus, with coverages that work even if a non-traveling family member gets sick or injured – it’s a no-brainer. It’s the best way of making sure your family travels get off to a great start and continue that way.

Start the process with Generali by comparing plans and getting a quote .

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How Travel Insurance Works With a Death in the Family

When you purchase travel insurance, you are trying to plan for the unexpected. In the unfortunate event that there is a death in the family, you may be eligible for coverage under your travel insurance plan.

Coverage for Trip Cancellation, Trip Delay, and Trip Interruption

Trip Cancellation is a benefit that can provide coverage for non-refundable trip payments in the event that a trip has to be cancelled for a covered reason. One covered reason for trip cancellation is the death of a family member of yours or your traveling companion.

If you have to cancel your trip due to the death of a family member and meet all the criteria for coverage as detailed by your policy, then your non-refundable, pre-paid expenses such as hotels and airfare are eligible for reimbursement.

This coverage applies to the Trip Interruption and Trip Delay benefits as well. So you may have coverage in the event you have to cut your trip short or start your trip late due to a death of a family member.

Does Your Family Member Need a Travel Insurance Policy to be Eligible for this Coverage?

No, your family member does not need to be a covered traveling companion under your travel insurance policy in order for you to be eligible for this coverage. If you are the traveler and have your own travel insurance policy, death of a family member may be covered.

Who is Considered a Family Member?

Under an Arch RoamRight travel insurance policy, the definition of “family member” is expansive. This may include you or your traveling companion’s:

• legal spouse (or common-law spouse where legal),
• legal guardian or ward,
• son or daughter (adopted, foster, step or in-law),
• brother or sister (includes step or in-law),
• grandparent (includes in-law),
• grandchild,
• aunt or uncle,
• niece or nephew,
• domestic partner,
• caregiver or child caregiver.

Is a relative different from that above a family member?

For the purpose of coverage under your Arch RoamRight travel insurance policy , only those listed in the definition of a family member are considered in determining your coverage.

When is a Death in the Family Not Covered?

There are some exclusions to the benefits, highlighted below, when it comes to claims related to deaths in the family. For a full details of the coverages, imitations, & exclusions please refer to your policy.

Under an Arch RoamRight travel insurance policy, death of a family member resulting from suicide is not eligible for coverage.

Pre-Existing Conditions

Death of a family member as a result of a pre-existing condition is not covered under an Arch RoamRight policy unless you and your traveling companion(s) – “the travelers” – have a policy that includes a Pre-Existing Conditions Exclusion waiver.

A pre-existing condition is defined as:

“An illness, disease, or other conditions during a specified period immediately prior to the effective date of the insured’s coverage for which the insured or insured’s traveling companion, business partner, or family member: 1) received or received a recommendation for a test, examination, or medical treatment; or 2) took or received a prescription for drugs or medicine. Item (2) of this definition does not apply to a condition which is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustments or change in the required prescription throughout specified period before your coverage is effective under the policy.”

For most Arch RoamRight plans, the specified time period is 180 days, however there are a few plans that have a shorter, 60-day time period.

In order to have a Pre-Existing Conditions Exclusion waiver, you must meet the following criteria at the time of your purchase:

• Purchase your travel insurance plan within 21 days of making your first trip payment;
• Insure the entire non-refundable cost of your trip;
• Must not be disabled† from travel at the time your premium is paid; and
• This must be the first and only booking for this same time period and destination.

† For definitions, please refer to the travel insurance policy .

The Pre-Existing Conditions Exclusion waiver is available with the Arch RoamRight Preferred , Elite , Pro , and Pro Plus plans.

Related Articles

What To Do When The Worst Happens On A Trip: While we do not always want to plan for it, it is always a good idea to know what to do in an extreme emergency when traveling. Read More ->

Non-Refundable Flights & An Emergency: What To Do: These tips on what to do in an event of an emergency as it relates to non-refundable flights can be helpful when you are in a bind. Read More ->

Note: Available plans and coverages may have changed since this blog was published.

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How Does Travel Insurance Cover You If a Parent Is Sick?

• February 22, 2015
• Travel Insurance Topics

It’s actually a great question to ask if you or your spouse has one or more parents with health issues. This is because there is no simple “yes” or “no” answer and, if you have a sick parent or in-law, it’s critical to know your options. Most policies use the exact same coverage terms for both trip cancellation and trip interruption.

Here are some thoughts to keep in mind:

• If your parent is ill but in a stable condition when you purchase the insurance, then you will most likely be covered. A stable medical condition is one in which the doctor is treating your parent for a problem but no change in the condition warrants a change in medical plan or prescription drugs in the 90 days before you bought the policy. You might believe it’s unlikely that your parent’s health will seriously deteriorate when you are on vacation, but you want to make sure you are covered in case you have to return home.
• If your parent is in palliative care, such as hospice, when you purchase the insurance and their condition gets worse  the insurance company won’t cover a trip cancellation or trip interruption claim. They will consider this a known risk because your parent was already in hospice at the time and their medical condition is not expected to improve. If, however, your parent dies in hospice care, this will generally be covered for both trip cancellation and trip interruption because death is always treated as a “dramatic downturn in health.”
• A pre-existing conditions waiver in your policy may only apply to travelers and not to family members back home. Some policies offer the pre-existing conditions waiver to both the travelers and the family members, and some restrict it to just the travelers. You need to check the actual language in the policy regarding pre-existing conditions. If your parent has been treated for a medical condition in the 90 days prior to your purchasing the policy, then the condition could be considered a known risk when you bought the policy. As such, it could be considered pre-existing and potentially not covered. If the plan does apply a pre-existing condition waiver to all parties, then purchasing the policy within 14 days of your initial trip deposit so you can get this waiver is the best option.
• In-laws are considered parents. Recently, a woman looking into this coverage told me that her husband would be traveling an d that her parent was seriously ill. If her parent became worse or died and her husband had to return home, she asked, could he receive trip interruption coverage? Thankfully, with every policy we offer at TripInsurance.com, the answer is “yes.” When it comes to this benefit, the in-laws of travelers are considered parents.

If you have additional questions about this subject or any issue related to trip interruption coverage, feel free to call or email us. We’ll be happy to help in any way we can.

Dan Skilken

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The 5 Best Family Travel Insurance Plans

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

World Nomads Travel Insurance »

AIG Travel Guard »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Family Travel Insurance Plans.

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• Travelex Insurance Services
• Allianz Travel Insurance

The best travel insurance plans can provide you with considerable peace of mind, but the real value comes into play when you wind up using your coverage. Hassles like flight delays, lost luggage and unexpected injuries can be stressful and traumatic, yet travel insurance can reimburse you for the financial costs associated with these mishaps.

If you are planning to travel with your entire family in tow, you already know that the stakes are higher and the potential for losses even greater. For example, you'll want to make sure children traveling with you have travel medical insurance as well as coverage for trip cancellations and interruptions.

You'll need to compare the best family travel insurance plans of 2023 if you want to find the right one for you and ensure each of your dependents is covered by your policy. U.S. News has compiled this guide to the best of the best when it comes to companies offering family travel insurance, since these top picks make it easy and affordable to add children to your plan.

• Seven Corners
• World Nomads Travel Insurance
• AIG Travel Guard

Best Family Travel Insurance Plans in Detail

Travel Select plan offers complimentary coverage for children 17 and younger

Primary coverage with no deductibles

Travel Select only includes up to $50,000 in protection for emergency medical expenses (optional upgrade available)

Meager policy limits ($200) for delayed baggage and sporting equipment

• Trip cancellation protection worth up to 100% of prepaid travel expenses (up to $50,000)
• Trip interruption coverage worth up to 150% (up to $75,000)
• Up to $2,000 ($250 per day) in coverage for trip delays
• $750 for missed connections
• $50,000 for emergency medical and dental expenses
• $500,000 in coverage for emergency medical evacuation and repatriation of remains
• $1,000 in insurance for baggage and personal effects

Single-trip travel insurance plans include free coverage for children ages 17 and younger

Allianz offers annual travel insurance plans for families

Not all plans cover kids for free

Get coverage for up to 10 people in a single policy

Generous policy limits for emergency medical expenses and evacuation

Kids aren't covered for free

Emergency dental coverage is capped at $750

• Trip cancellation coverage worth up to 100% of prepaid trip costs
• Trip interruption coverage up to 150%
• Trip delay coverage up to $2,000 ($250 per day)
• Up to $1,500 in protection for missed tours or cruise connections ($250 per day)
• Up to $500,000 in coverage for emergency medical expenses
• Up to $1 million in protection for emergency evacuation

Includes coverage for up to seven children on a single policy

Provides coverage for more than 200 adventure activities and sports

No free travel coverage for kids with paid adults

No option to customize coverage with CFAR protection

• Up to $100,000 in emergency medical insurance
• $500,000 in coverage for emergency medical evacuation
• $3,000 in insurance for lost baggage and belongings
• $10,000 in insurance for trip cancellation

Free coverage for one child 17 or younger with each paying adult relative on the plan

Choose from three tiers of travel protection based on your needs

Travel medical expense coverage is low ($15,000) with Essential plan

Essential plan also has low limits for baggage delays ($200) and lost or stolen luggage ($750)

• Up to 100% in coverage for trip cancellation
• 150% in coverage for trip interruption
• $1,000 in baggage insurance
• $300 in protection for baggage delays
• $50,000 in insurance for emergency medical expenses
• $500,000 in protection for medical evacuation

Family Travel Insurance: Coverages You'll Need

As you compare the best travel insurance plans for families, you might be wondering which types of coverage are most important. Ultimately, that depends on the cost of your trip, where you're traveling and the travel issues you worry about the most.

Frequent traveler Linda L. Adkins of Spokane, Washington, says she purchases travel insurance for every trip since her U.S.-based health insurance policy doesn't apply when her family travels overseas. She worries not only about emergency medical expenses that could come into play, but also about the high costs of medical evacuation if a family member needs to be transported a long distance or even back to the U.S.

Adkins has also endured scenarios where her luggage was temporarily lost by an airline while traveling internationally, and she says her delayed baggage benefit was useful when it came to purchasing clothing and toiletries. "I spent almost $100 per day for three days in a row while we waited for our bags," she says.

Adkins saved her receipts and received reimbursement through her travel insurance provider's baggage delay benefit.

U.S. News recommends having the following types of coverage (at a minimum) in place for every trip with kids:

• $50,000-plus in primary insurance per traveler for emergency medical expenses
• Coverage for COVID-19
• $100,000-plus in coverage for emergency medical evacuation
• Adequate protection for trip delays and lost or delayed baggage

Frequently Asked Questions

Credit card travel insurance can provide coverage for families, although the types and amounts of protection you receive can be limited. As an example, the Chase Sapphire Reserve credit card comes with trip cancellation coverage for up to $10,000 per person and up to $20,000 per covered trip, as well as lost luggage reimbursement worth up to $3,000 per passenger if the cardholder or an immediate family member has their luggage lost by a common carrier.

Fine print with the card also states that trip delay coverage can apply if common carrier travel gets delayed by more than six hours or requires an overnight stay, and that both the cardholder and their family members can be reimbursed up to $500 per ticket for incidental travel expenses including meals and lodging.

For credit card travel insurance to apply, the cardholder needs to pay for common carrier travel for all of their family members with the credit card in question. In other words, simply carrying a travel credit card with travel insurance benefits won't be enough.

Travel insurance plans are built to cover every person listed on the application for coverage. This means you can apply for travel insurance as an individual or as a family who wants all members covered under a single plan.

That said, some travel insurance plans are superior for families since they offer free coverage for dependents. Others offer comprehensive travel insurance policies that provide broad coverage for groups up to 10 people.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance? How much is travel insurance? Is travel insurance worth it? What does travel insurance cover? Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Protect Your Trip »

5 Tips for Traveling With a Chronically Ill Friend or Relative

Learn pro tips for making your next trip with a loved one safe, smooth and pain-free.

Getty Images

Carefully evaluate your travel companion's needs and assess whether his or her desired location offers easy accessibility.

As any jet-setter with a chronic illness can attest, crisscrossing the globe with an underlying condition can quickly turn into a nightmare. Mustering up the courage to endure the potential nausea, dizziness and unexpected flare-ups or side effects is enough to make anyone with a serious medical condition such as diabetes, heart disease or asthma consider forgoing travel altogether. But if you have a relative with a chronic illness who is eager to travel, take heart: With a few pointers, precautions and some strategic planning, you can help organize a gratifying and stress-free trip.

[See: 10 Tips for a Healthier Vacation .]

Seek Guidance From a Primary Provider or a Pretravel Medical Advisor

Your travel companion must meet with a primary health care provider to ensure the illness is as stable as possible, says Dr. Phyllis Kozarsky, travelers' health consultant to the Division of Global Migration and Quarantine at the CDC and a professor at the Emory University School of Medicine. She also suggests those with underlying conditions seek pretravel counseling four to six weeks ahead of their trip to ensure the provider can offer "adequate counseling and whatever immunizations they need." Scheduling a time to receive a consultation far in advance allows your companion to weigh any side effects, potential drug interactions and other medical-related concerns. Also plan to research accredited hospitals where your relative can receive quality care before your trip. The Department of State features a list of insurance providers overseas and the International Society of Travel Medicine showcases a directory of health care professionals in more than 80 countries.

[See: From Zika to Terrorism, How to Protect Yourself While Traveling Abroad .]

A doctor's note is also vital, along with "specifics about the traveler's illness, potential complications, recent and past medical history and all medications currently being taken, including the dosage and trade name," says Dr. William Spangler, global medical director of travel insurance group AIG Travel. This is particularly important in the event of an emergency, he explains. Make sure the note outlines "why they might be carrying needles, oxygen or special medication," he adds, as this is important during airport security screenings for a smoother process. Spangler also recommends asking a doctor about supplies to pack. "Some people may need to bring oxygen on the flight to compensate for the pressurized air, while others may be required to wear compression socks to avoid deep vein thrombosis," he explains.

Strategically Choose a Destination and Itinerary

Before you lock in your travel plans, carefully evaluate your companion's needs and assess whether his or her desired location offers easy accessibility. Sometimes, the travel itself, the destination or the itinerary can create added pressure for a person with a chronic illness, Kozarsky says. Structure an itinerary that is compatible with the individual's needs and takes into account any restrictions pertaining to pre-existing conditions, she advises.

It's also important for travelers to understand their limits, Spangler says. For instance, consider skipping a strenuous 12-hour hike if you're traveling with a loved one with chronic obstructive pulmonary disease, he says. Also take into account that a friend or relative with an immunodeficiency disorder is more at risk of contracting infectious illnesses, especially when flying as air is recirculated, he explains. He suggests conducting some prior research about your desired destination and reviewing the latest travel advisories and warnings available from the World Health Organization and Centers for Disease Control and Prevention.

You'll also want to factor in practicalities during the trip-planning process, such as the distance from your accommodations to your desired activities and attractions and your access to clean drinking water, adds Suzan Fischbein, a coordinator at the Myositis Support Group at the Hospital for Special Surgery in New York City. Make sure to pace yourself, and build in regular down time, she adds.

Are You Caught Up With Travel Vaccines?

Michael O. Schroeder and Lisa Esposito July 26, 2019

Pack Smart and Stay Prepared

Before jetting off with a family member with an underlying medical condition, pack strategically . Bring a brief medical record and a health kit that's filled with medical supplies and prescriptions, along with any other items required based on your companion's needs and the length of travel, Kozarsky says. You may want to consider putting an alert bracelet on your companion with details about his or her condition as an extra precaution.

Also ensure all required medications are in your carry-on and within easy reach. A top task for travel companions is ensuring that the traveler with the illness has adequate medication, she explains. If you're going away for two weeks, for example, she recommends doubling the dosage you bring with you to stay prepared in the event of an emergency so you have an adequate supply in the event of exacerbations. And while flying, ensure your companion wears loosefitting clothing and stays hydrated.

Jan Favero Chambers, president and founder of the National Fibromyalgia & Chronic Pain Association, suggests helping your companion adjust his or her sleep patterns to easily acclimate to new time zones. Anticipate fatigue, temperature changes and a lack of public seating during your trip, which can be highly strenuous, she says. As a travel partner, you should also be aware of all conditions and easily be able to pinpoint medications, doctor's notes and other emergency information, Spangler says.

Advocate for Your Companion

According to Fischbein, a top issue those with chronic illnesses face while traveling is invisibility. To ensure your relative is cared for from point A to B, alert your carrier ahead of time, she says. The Air Carrier Access Act protects those with disabilities. Thanks to the act, airlines must offer consumers with a disability assistance boarding and exiting the plane. Fischbein recommends calling customer service at least 48 hours ahead of your departure time for assistance getting through security and picking up luggage and alerting your airline to any special assistance for your family member.

Invest in Travel Insurance

Those with chronic conditions want to make sure they have travel insurance , Kozarsky says. There are three major types of insurance – trip-cancellation insurance , medical health insurance and medical evacuation coverage – and it's important to evaluate each option to identify the one that best fits their needs. She suggests reading the fine print, as some policies do not include the cost of health care overseas and others require supplemental insurance.

[Read: 5 Surprising Things That Aren't Covered by Travel Insurance .]

"While health insurance policies may provide some level of medical coverage for travelers, they’re rarely as comprehensive as travel insurance. Before taking a trip, talk to an insurance provider to ensure the policy purchased adequately covers the traveler’s specific needs," Spangler says. He recommends paying close attention to stipulations around pre-existing conditions and coverage limits. "For example, a helicopter evacuation could cost $50,000 or more, but some policies would cover only a small portion of that, while others wouldn’t cover it at all," he says.

Some insurance providers also offer added perks. With an AIG Travel insurance policy, you can benefit from round-the-clock assistance, including "locating pharmacies, doctors or medical equipment rental facilities at a traveler’s destination," Spangler says. Other companies offer similar benefits. Berkshire Hathaway Travel Protection, for example, offers an ExactCare Extra plan with up to $50,000 in emergency medical coverage, along with trip-cancellation and interruption coverage and 24-hour assistance that includes flight rebookings, roadside assistance and other perks.

10 Things to Do Immediately After Your Flight Is Canceled or Delayed

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Cancellation

• All Categories

If my family member or I get sick, am I covered for Trip Cancellation?

Last Updated: October 25, 2013 March 28, 2024

Short Answer

Yes, you or your family member’s unforeseen illness is generally a covered reason for Trip Cancellation coverage.

More Detail

An unforeseen illness, injury, or death of you, your traveling companion or your family member are standard covered reasons to cancel your trip.

Please be aware, every policy has its own definition for who is considered a covered family member. This generally includes children, parents, step-parents, grandparents, brothers, sisters, step-siblings, aunts, uncles, and in-laws. Cousins are usually excluded.

While an unforeseen illness is covered, most policies exclude cancelling due to a Pre-Existing Medical Condition unless the policy includes Pre-Existing Medical coverage. Pre-existing Medical coverage can extend to you and your non-traveling family members. Specific conditions such as pregnancy, self-inflicted injury, or mental and psychological disorders may be excluded from cancellation coverage, even if Pre-existing Medical is included.

This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!

• Author: Anna Gernandt

5 people found this article helpful.

June 1, 2020

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Due to travel restrictions, plans are only available with effective start dates on or after

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance & Family Emergencies

It's only natural to be concerned about your loved ones when you go away on your holidays.

If a family member or travelling companion falls ill or is injured on your trip, or before you depart for your holiday, it's important to know where you stand with your cover.

A common question that comes up again and again is;  Does travel insurance cover family emergencies? The answer is yes, but like all insurances, there are terms, conditions, and exclusions that will affect your claim.

Keep reading to learn about the cover conditions when it comes to travel insurance and family members.

Who is classified as 'Family'’?

'Family' in the world of travel insurance usually refers to your spouse (or legally recognised defacto) and your dependants.  

Cover for furbabies

Who is classified as a ‘relative’.

'Relatives' in terms of travel insurance will typically include, your or your travelling companions' spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé, fiancée or guardian.

NOTE:  aunties, uncles, cousins, nieces, nephews and close friends are not often included as a ‘relative’ so it pays to pay attention.

When Does Travel Insurance Cover For Family Emergencies?

Your policy will kick in if a family member or relative (as defined above or within your insurers' definitions);

• Dies unexpectedly
• Is disabled by an injury
• Becomes seriously sick and requires hospitalisation

When Are You Not Covered For Family Emergencies?

Like any type of insurance terms and conditions apply to your cover. Where your relative resides matters:  Relatives who live outside Australia or New Zealand are typically not covered by your policy. Most insurers state that they will only pay claims concerning ‘Relatives’ who reside in Australia or New Zealand. If you have a family member that lives in a different country to you, chances are you wouldn’t be covered for cancelling your trip.    Pre-existing illnesses can cause difficulties:   If you were already aware of a Relative’s illness when you booked your travel insurance, you may not be covered should they take a turn for the worse. However, some companies like 1Cover, Fastcover and Zoom Travel Insurance would provide limited cover under these circumstances, provided you were not aware of the likelihood of their hospitalisation or death when purchasing your policy. How the family member dies matters : If the death was due to the relative committing suicide, or related to alcohol or drug consumption you may find that isn't covered.  Any claims to do with alcohol, drugs or mental illness are typically excluded in Australian travel insurance policies. 

Compare Family Member Age Limits

As mentioned above, many policies have age restrictions in the event that a family member falls ill or dies while you are travelling or before you depart.  Whilst travel insurance can help you recover your cancellation costs including pre-booked tickets and hotels, costs associated with returning home at short notice, and in some instances resuming your journey at a later date, it's important to understand the restrictions. Our experts have done some digging to bring the important relative age limits to the forefront.  Many insurers limit a relative's age to 84 and there are a few insurers that do not pose any age restriction.

Can I resume my trip if it was cut short due to a family emergency?

Most policies with a family emergency benefit will allow you to resume your journey at a later date after being forced to return home due to the illness or death of a relative and still be covered.  This is sometimes included as a sub-limit within the trip cancellation benefit or, it may be under a benefit called "resumption of journey".   This will often include the cost of flights for you to return to the destination where your trip was disrupted. There are normally specific conditions surrounding this type of cover, including:

• You must have had no knowledge that such an incident might occur prior to your departure
• Your resumption expenses may be limited or must be pre-approved by your insurer
• You must resume your journey before your policy expires
• You may need to resume your journey within a certain time of returning to Australia.  Usually within 30 days.

Other Options

As mentioned, the majority of insurers would not cover family emergencies if the relative in question suffered from a pre-existing medical condition.  However, specialist insurer  AllClear  may cover you  provided that your relative’s doctor is prepared to state that at the date you booked your trip, he/she would have seen no substantial likelihood that his/her patient’s condition would deteriorate to such a degree that you would need to cancel or curtail your journey.  

Carolina Tran

Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Will travel insurance cover cancellation due to illness?

Although it’s extremely likely your holiday will go ahead as planned without any issues and you’ll have a lovely time, taking out travel insurance is always a must, and provides you with peace of mind when planning a trip. One reason you could be forced to cancel your holiday is due to illness, whether that’s an illness you’re suffering from or a family member.

Most travel insurance policies cover cancellation if it’s due to unforeseen circumstances that you can’t help. But do check your individual policy to ensure this is the case. It’s always extremely important to ensure you are 100 per cent honest on your application for insurance and you don’t omit any important information about your health to make the process easier If you are struggling to find suitable insurance don’t worry. There are plenty of insurance companies out there who cater for those with both physical and mental health problems and their policies will suit you.

Will travel insurance cover cancellation due to my illness?

You are able to make a pre-departure cancellation and be covered for your trip (up to the covered amount) for any pre-paid non-refundable costs such as flights and accommodation as long as the reason for cancelling is covered. If you fall ill during your trip you should also be covered providing a Doctor has advised you shouldn’t continue with the trip.

Injury or illness can refer to a range of serious health problems.

Injury or illness – this can be either yours, your travel companions or family members illness or injury depending on your policy. If you’re travelling to a holiday home or B&B and the host of your destination falls ill, non-refundable costs are also covered. In order to be covered the insurance must be purchased before you found out about the illness or injury.

What must I provide for proof of illness?

A Doctor’s note

Before the trip – ensure you have your serious health condition verified by a doctor that you are advised not to travel prior to your trip.

During the trip – if you get injured or fall ill on holiday, you need a Doctor to confirm you are unable to continue participating in the trip.

Will travel insurance cover cancellation due to a family members illness?

If one of your parents or close relatives is ill when you’re supposed to be travelling, you may not want to go ahead with your planned trip, especially if they could pass away whilst you’re supposed to be on holiday.

When did you purchase the insurance?

If they were in a stable condition when you purchased your travel insurance and were being treated by a doctor you will still be covered for cancelling your trip or having to return home midway through your holiday. If your loved one is in end of life care when you purchase the insurance, you won’t be covered for cancelling or retuning home before the end of your trip. This is because you were aware their condition wasn’t going to improve.

If they sadly pass away whilst you are on holiday or close to your departure date you will be covered for the whole or part of the trip you missed as death is considered a dramatic downturn in health. It’s also worth noting that in-laws are considered parents, so even if your spouse’s parent falls ill, your trip cancellation will also be covered.

Will travel insurance cover cancellation due to a pet’s illness?

Although not many travel insurance providers cover pet health, a handful do so it’s important to check the small print of your policy. On these particular policies, you are covered for the cancellation of your trip if your pet has to undergo urgent emergency treatment a week before you are due to travel. Usually, this only covers cats and dogs.

Some insurers also cover holiday cancellation if you have become ill because of stress caused by losing your pet or your pet becoming ill. This is classed as illness so would still need a doctors note.

If your pet falls ill whilst you’re away on holiday you should also be covered as long as they have not fallen ill due to an existing condition you already knew about or if there isn’t a risk of your pet passing away.

Will travel insurance cover cancellation due to a mental illness?

Although mental health issues should be treated the same as physical health problems, they’re often not and it can be hard to find a suitable insurance policy to cover you if you live with a health problem. Like with any policy, ensure you read it fully before purchasing to understand exactly what you’re covered for.

Is your mental illness pre-existing?

If you are suffering from a certain mental health issue such as depression when applying for travel insurance you should state this.

What if I am turned down for travel insurance because of my mental illness?

Many insurers turn down applicants with mental health problems because they are un equipped to cover their needs. This is why it may be a good idea to go with an insurance company who offer dedicated cover for those with pre-existing medical conditions - this can cover both physical and mental health conditions. For this type of specialist cover, Free Spirit, Good to Go, and The Insurance Surgery are often reliable.

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

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• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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